Being harassed by debt collectors isn’t ever fun. When you simply don’t have the means to pay the bills, it might be time to look into the options that you have to get a handle on your debts. One of these options is filing for bankruptcy, which might not seem ideal, but there is a big benefit for you to think about — the automatic stay.

An automatic stay means that creditors have to stop harassing you. They can’t call you, write to you or send people by to try to collect money. We can only imagine how much relief this could bring to you. You will once again be able to answer the phone and check the mail without having to worry that someone is trying to get money out of you for past-due debts.

One of the types of bankruptcy that you might consider filing is a Chapter 7. This type of filing doesn’t require you to make payments to the bankruptcy trustee. Instead, any nonexempt assets you have will be liquidated by the bankruptcy court to pay off the debts that they can. If there are balances after that is done, they will be discharged.

If you think you need to file for bankruptcy, you should learn about the process. You do have some responsibilities and rights that you should understand before you file. You must take care of your responsibilities or the case won’t be able to be discharged, which means that you won’t continue to enjoy the financial relief that you should. We can help you to review your entire case to find out what you may need to do.